CPA Client Qualification Checklist — Screen Clients Before Referring

CPA Partner Resources

Core Business Qualification

In business for 1+ years — or at minimum 6 months with strong revenue

Monthly deposits $15,000 or more — their bank statements show at least $15K/month average

Active business bank account — not using personal checking for business transactions

US-based business with a physical address or verifiable location

0–2 NSFs in their most recent bank statement

Positive average daily balance (not consistently near zero)

Deposits occur at least 3–4 times per week (not one large monthly deposit)

No active liens, judgments, or garnishments on the business account

0 or 1 existing MCA positions currently active

Current MCA payments (if any) represent less than 20% of monthly revenue

No active merchant processing holdbacks exceeding 15% of daily deposits

Client can articulate a specific use: equipment, inventory, payroll bridge, expansion, marketing

Requested amount is proportional to monthly revenue (not asking for 5× their monthly deposits)

Use of funds generates revenue or solves a specific cash flow gap — not debt consolidation or personal use

If any of these apply, do not refer this client at this time.

5+ NSFs in any of the last 3 months

3 or more active MCA positions currently deducting daily

Active bankruptcy (Chapter 7 or Chapter 11)

Under $8,000/month in average deposits — below minimum threshold

Client needs the advance to pay off other MCA positions — consolidation requests rarely fund well

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Items confirmed

Complete the checklist to see your recommendation.

Share your referral link or contact us directly to introduce the client.